Ana Rosa

Ana Rosa G. V. is 23 years old, she lives in a common-law marriage with her partner in Ventanas, a canton of the Los Ríos province, and she has 2 children.

The V.R.C. Divino Niño (Divine Child Communal Bank) is located in the Estero Lindo precinct, located in the Ventanas canton; it is composed of 12 members who engage in short-cycle agricultural labor, growing crops like maize and rice.

Ana Rosa engages in agriculture, growing maize, cocoa and rice. She buys her products in the Farma-Agro and sells them in the same place.
The loan she is requesting will be used to sow maize and rice by buying supplies and seeds. The loan will help her economically, as thanks to it she will fulfill her needs, as well as face challenges such as pests, illnesses and climate changes. She dreams of owning a house.

Additional Information

About Cooperativa San Jose

This loan is administered by Cooperativa San Jose, a 45,000-member credit union located high in the Andes Mountains of Ecuador’s poorest province, Bolivar. They offer a unique loan called “Ventanillas Rurales” [Window to the Countryside], which uses a group guarantee but is an individual loan with a savings component, mostly to rural borrowers. Due to low savings rates and a history of macroeconomic instability, many traditional loans in Ecuador demand interest rates that are prohibitively high for some borrowers. There is also a high incidence of extortionist black-market lending in Ecuador. CSJ helps mitigate these problems by providing a less onerous and more appropriate option. Join CSJ’s Lending Team!